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All drivers in Idaho are obliged to get basic vehicle insurance coverage, according to the Idaho Code for Motor Vehicles Financial Responsibility. Driving without insurance is considered an infraction or a misdemeanor, which means you could face penalties, license suspension, and possibly jail time if you break the law. If you just got your driver's license or recently moved to Idaho, you might be curious about the state's auto insurance laws and how to get the cheap and best car insurance in Idaho.

Minimum Required Auto Insurance Coverage in Idaho

Insurance coverage is required in all states before you can register your car. According to the Idaho Insurance Department, all car owners must have at least the following auto insurance coverage types and limits:

Coverage Type Minimum Coverage Limit
Bodily injury liability coverage $25,000 per person
$50,000 per accident
Property damage liability coverage $15,000

Cheapest Car Insurance in Idaho for Minimum Required Coverage

Auto-Owners Insurance boasts Idaho's lowest commonly available full coverage rates, at 40% less than the state average. Start your search with Auto-Owners if you're not from a military family and don't qualify for USAA. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.

Idaho Car Insurance Laws

Before you go, review these Idaho vehicle insurance laws and double-check that you're fully covered. Regardless of whether the car is registered or not, everyone operating a vehicle in Idaho must have liability insurance.

You might face a fine of $75 to $1,000 if you're caught driving without insurance in Idaho. In addition, first-time offenders may be required to present proof of financial responsibility for up to a year.

Following an initial auto insurance lapse, any subsequent offences are classified misdemeanors, punishable by a fine of up to $1,000 and up to six months in jail.

With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.

Idaho auto insurance requirements

Each state sets its own coverage limitations, which are usually divided into three categories: per-person bodily injury coverage, per-accident bodily injury coverage, and per-accident property damage coverage. Split limits, often known as 25/50/15, are a common way of expressing this. Take a look at the list below for a breakdown of these terms in Idaho.

The total financial limit that your insurer can pay for the injuries of a single person that you damage in an accident is $25,000 bodily injury coverage per person.

The highest amount that an automobile insurance provider will pay out for any injuries you inflict in an at-fault collision is $50,000 bodily injury coverage per accident.

The maximum financial amount that will be paid for damage you cause in an accident is $15,000 per accident.

Keep in mind that the figures above are the bare minimums set by Idaho. Most auto insurers offer higher coverage amounts, which are strongly recommended.

Idaho car insurance PIP requirements

Idaho does not require personal injury protection (PIP). Infact in Idaho, PIP is completely unavailable. If you've been injured in a car accident in Idaho, you may be eligible for medical payments insurance (sometimes referred to as Med Pay).

Proof of Auto Insurance in Idaho

When driving in Idaho, proof of insurance must be carried at all times. Idaho drivers must present evidence of insurance for two consecutive months or risk having their registration suspended. Vehicle owners who do not have insurance for two months in a row will be issued a warning. Before their vehicle registration is cancelled, they will have 30 days to present proof of insurance – or obtain an exception.

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Average Cost of Auto Insurance Companies in Idaho

For minimum liability, the average cost of auto insurance in Idaho is $435 per year, or $36 per month. Idaho car insurance for full coverage costs up to $1,409 per year. Refer the following table to get the numbers of the different insurance quotes.

COMPANY AVERAGE ANNUAL RATE
USAA $507
Auto Owners $785
State Farm $807
Allied $920
Travelers $943
MetLife $955
Progressive $963
Farmers $971
Average $1,010
Nationwide $1,064
American Family Insurance $1,104
Allstate $1,385
Farm Bureau Group $1,409

Although the cheapest form of automobile insurance is minimum liability coverage, it is rarely the best option.

Minimum liability plans only cover the injuries or damages caused by the other driver; they do not cover any damage to your own vehicle. We recommend advocate full coverage car insurance to avoid costly repairs following an at-fault accident.

Cheapest Car Insurance Quotes for Idaho Drivers

It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Idaho from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Idaho. According to our in-house market research, these companies offer the best auto insurance in Idaho.

Cheap car insurance in Idaho for young Idaho drivers

USAA has the best rates for 18-year-old drivers in Idaho, charging $1,718 per year for coverage. While that's certainly expensive, it's 34% cheaper than the state average and $2,035 cheaper than the most expensive insurer, Progressive.

COMPANY 18-YEAR-OLD FEMALE 18-YEAR-OLD MALE
Allstate $5,499 $6,416
American Family Insurance $3,130 $3,404
Farm Bureau Group $3,063 $4,029
Farmers $5,465 $5,691
Geico $2,405 $3,228
Nationwide $3,828 $4,659
Progressive $6,082 $7,625
State Farm $2,194 $2,769
Travelers $3,262 $4,029
USAA $1,718 $1,852
Statewide Average $3,665 $4,361

Cheap car insurance for Idaho drivers with a speeding ticket

USAA has the cheapest car insurance for drivers who have a ticket on their record. Full coverage costs $648 per year with the insurer, which is 30 percent cheaper than average.

COMPANY AVERAGE ANNUAL RATE
USAA $648
State Farm $890
Allied $991
Geico $1,079
American Family Insurance $1,153
Statewide Average $1,184
Farmers $1,211
Progressive $1,227
MetLife $1,237
Travelers $1,238
Nationwide $1,367
Farm Bureau Group $1,419
Allstate $1,605

Cheap auto insurance for Idaho drivers after a car accident

If you're an Idaho motorist who has been in an at-fault collision, USAA may be able to help you get the best prices. The average cost of insurance for Idaho drivers with an at-fault collision is $1,785 per year, but USAA costs only $731, which is 50% less than the state average and 14% less than State Farm, the next-cheapest insurer.

COMPANY AVERAGE ANNUAL RATE
USAA $731
State Farm $954
Nationwide $1,064
American Family Insurance $1,143
MetLife $1,170
Allied $1,242
Travelers $1,279
Statewide Average $1,345
Farmers $1,416
Geico $1,522
Progressive $1,561
Farm Bureau Group $1,839
Allstate $1,937

Cheap car insurance quotes for Idaho drivers with a DUI

For drivers with a DUI on their record, State Farm offered the most economical coverage. The average annual charge is $880, which is 35% lower than the average rate for DUI drivers.

COMPANY AVERAGE ANNUAL RATE
State Farm $880
USAA $1,047
MetLife $1082
American Family Insurance $1,143
Progressive $1,227
Farmers $1,306
Travelers $1,393
Statewide Average $1,682
Allstate $1,841
Allied $1,861
Nationwide $2,158
Geico $2,748
Farm Bureau Group $3,080

Cheap car insurance for married Idaho drivers

Auto-Owners provides the best rates for married drivers in Idaho, at $785 per year. Married drivers have lower auto insurance premiums since they are statistically less likely to be involved in accidents. Idaho drivers who are married save an average of $98 per year on full coverage.

Company Monthly rate
Auto-Owners $785
State Farm $881
Geico $1,167
American Family $1,253
Farm Bureau $1,358
Allstate $1,769
Farmers $1,781
USAA $581

Cheap full coverage car insurance quotes for young drivers with an accident history

Get quotes from Auto-Owners if you're a young driver in Idaho who has been in an at-fault accident. After a car accident, the company's minimum coverage costs $1,133 per year, which is $655 less than the state average.

Company Monthly rate
Auto-Owners $1,133
Farm Bureau $1,277
State Farm $1,301
American Family $1,649
Geico $1,829
Allstate $2,537
Farmers $3,605
USAA $989

Compare Car Insurance Rates In Top Cities

The average full coverage policy in Idaho costs $960 a year, making it one of the most expensive states in the country for car insurance. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.

CityAnnual Rate
Aberdeen$1,253
Ahsahka$1,385
Albion$1,265
Almo$1,277
American Falls$1,265
Ammon$1,325
Arbon$1,289
Arbon Valley$1,289
Arco$1,313
Arimo$1,289
Ashton$1,313
Athol$1,349
Atomic City$1,337
Avery$1,349
Bancroft$1,289
Banks$1,241
Basalt$1,361
Bayview$1,373
Bellevue$1,241
Bern$1,301
Blackfoot$1,253
Blanchard$1,373
Bliss$1,217
Bloomington$1,301
Boise City$1,169
Bonners Ferry$1,349
Bovill$1,337
Bruneau$1,205
Buhl$1,181
Burley$1,169
Calder$1,349
Caldwell$1,169
Cambridge$1,289
Carey$1,253
Careywood$1,385
Carmen$1,361
Cascade$1,265
Castleford$1,241
Cataldo$1,361
Challis$1,301
Chester$1,301
Chubbuck$1,301
Clark Fork$1,385
Clarkia$1,361
Clayton$1,301
Clifton$1,313
Cobalt$1,325
Cocolalla$1,385
Coeur d'Alene$1,277
Colburn$1,373
Conda$1,277
Coolin$1,373
Corral$1,253
Cottonwood$1,313
Council$1,277
Craigmont$1,385
Culdesac$1,349
Dalton Gardens$1,289
Dayton$1,313
Deary$1,337
Declo$1,217
Desmet$1,361
Dietrich$1,277
Dingle$1,301
Donnelly$1,265
Dover$1,373
Downey$1,301
Driggs$1,337
Dubois$1,313
Eagle$1,193
Eastport$1,409
Eden$1,229
Elk City$1,361
Elk River$1,361
Ellis$1,301
Emmett$1,169
Fairfield$1,277
Felt$1,325
Fenn$1,373
Ferdinand$1,409
Fernwood$1,361
Filer$1,241
Firth$1,361
Fish Haven$1,301
Fort Hall$1,241
Franklin$1,313
Fruitland$1,205
Garden City$1,157
Garden Valley$1,253
Genesee$1,349
Geneva$1,301
Georgetown$1,301
Gibbonsville$1,361
Glenns Ferry$1,181
Gooding$1,217
Grace$1,289
Grand View$1,253
Grangeville$1,361
Greencreek$1,385
Greenleaf$1,241
Groveland$1,361
Hagerman$1,217
Hailey$1,241
Hamer$1,325
Hammett$1,193
Hansen$1,241
Harrison$1,361
Harvard$1,301
Hayden$1,265
Hazelton$1,229
Heyburn$1,241
Hill City$1,253
Holbrook$1,301
Homedale$1,241
Hope$1,373
Horseshoe Bend$1,253
Howe$1,301
Idaho City$1,253
Idaho Falls$1,289
Indian Valley$1,253
Inkom$1,313
Iona$1,313
Irwin$1,313
Island Park$1,313
Jerome$1,229
Juliaetta$1,337
Kamiah$1,349
Kellogg$1,349
Kendrick$1,313
Ketchum$1,241
Kimberly$1,205
King Hill$1,181
Kingston$1,301
Kooskia$1,325
Kootenai$1,349
Kuna$1,109
Laclede$1,373
Lake Fork$1,253
Lapwai$1,325
Lava Hot Springs$1,289
Leadore$1,361
Lemhi$1,361
Lenore$1,289
Letha$1,205
Lewiston$1,289
Lewisville$1,313
Lincoln$1,301
Lowman$1,253
Lucile$1,373
Mackay$1,301
Macks Inn$1,313
Malad City$1,289
Malta$1,277
Marsing$1,241
May$1,337
McCall$1,265
McCammon$1,301
Medimont$1,361
Melba$1,145
Menan$1,313
Meridian$1,157
Mesa$1,265
Middleton$1,229
Midvale$1,253
Monteview$1,301
Montpelier$1,241
Moore$1,301
Moreland$1,361
Moscow$1,289
Mountain Home$1,097
Mountain Home AFB$1,169
Moyie Springs$1,409
Mullan$1,349
Murphy$1,253
Murtaugh$1,241
Nampa$1,241
Naples$1,409
New Meadows$1,301
New Plymouth$1,205
Newdale$1,313
Nezperce$1,361
Nordman$1,373
North Fork$1,361
Oakley$1,253
Ola$1,241
Oldtown$1,385
Orofino$1,337
Osburn$1,349
Parker$1,313
Parma$1,145
Paul$1,241
Payette$1,193
Peck$1,349
Picabo$1,253
Pierce$1,397
Pinehurst$1,361
Pingree$1,361
Placerville$1,253
Plummer$1,361
Pocatello$1,289
Pollock$1,361
Ponderay$1,373
Porthill$1,409
Post Falls$1,241
Potlatch$1,313
Preston$1,253
Priest River$1,325
Princeton$1,301
Rathdrum$1,277
Reubens$1,349
Rexburg$1,229
Richfield$1,277
Rigby$1,229
Riggins$1,373
Ririe$1,313
Riverside$1,361
Roberts$1,313
Robie Creek$1,217
Rockland$1,277
Rogerson$1,241
Rupert$1,193
Sagle$1,373
Saint Charles$1,301
Salmon$1,301
Sandpoint$1,373
Santa$1,337
Shelley$1,301
Shoshone$1,277
Shoup$1,337
Silverton$1,349
Smelterville$1,349
Soda Springs$1,289
Spencer$1,325
Spirit Lake$1,361
Springfield$1,301
St. Anthony$1,289
St. Maries$1,313
Stanley$1,301
Star$1,205
Stites$1,337
Sugar City$1,289
Sun Valley$1,241
Swan Valley$1,325
Swanlake$1,301
Sweet$1,241
Sweetwater$1,325
Tendoy$1,361
Tensed$1,349
Terreton$1,313
Teton$1,301
Tetonia$1,337
Thatcher$1,313
Troy$1,337
Twin Falls$1,229
Victor$1,337
Viola$1,337
Wallace$1,337
Warren$1,361
Wayan$1,289
Weippe$1,385
Weiser$1,253
Wendell$1,217
Weston$1,313
White Bird$1,373
Wilder$1,229
Winchester$1,325
Worley$1,361
Yellow Pine$1,265

Cheap auto insurance in Idaho with bad credit

Company Avg. Annual Premium
USAA $1,485
Auto-Owners Insurance Co $1,603
Nationwide $1,814
Farmers $2,589
Allstate $2,636
State Farm $3,081

Idaho auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,207 1% $0
One Med/PIP claim $1,216 2% $9
Not-at-fault accident $1,242 4% $34
One comp claim $1,273 6% $65
Two Med/PIP claims $1,264 7% $86
Failure to wear a seat belt $1,281 7% $93
Driving without lights $1,354 15% $166
Two comp claims $1,360 15% $173
Child safety restraint $1,367 15% $180
Failure to show documents $1,371 16% $183
Driving with expired registration $1,394 17% $17
Texting while driving $1,406 19% $209
Cell phone violation $1,337 19% $220
Following too closely $1,426 20% $249
Illegal turn $1,427 20% $240
Speeding 6 - 10 MPH over limit $1,427 20% $240
Speeding 11 - 15 MPH over limit $1,428 20% $241
Wrong way/wrong lane $1,430 21% $243
Driving too slowly $1,432 21% $245
Failure to stop at a red light $1,433 21% $246
Improper passing $1,437 21% $250
Speeding 16 - 20 MPH over limit $1,441 21% $253
Failure to yield $1,445 22% $258
In 65 MPH zone $1,448 22% $261
Speeding in school zone $1,463 23% $275
At-fault accident - less than $1000 $1,464 23% $277
Speeding 21 - 25 MPH over limit $1,476 24% $289
Operating a vehicle without permission $1,590 35% $403
Open container $1,596 34% $409
At-fault accident - $1000-$2000 $1,602 35% $415
Passing school bus $1,651 39% $464
At-fault accident - greater than $2000 $1,692 43% $505
Reckless driving $1,842 55% $655
Driving with a suspended license $1,870 57% $683
Refusal to submit to a chemical test $1,931 62% $743
Racing $1,959 65% $772
DUI $1,985 67% $798
Leaving scene of an accident/hit and run $2,014 69% $826

Car insurance price trends in Idaho

Year Avg. Annual Premium —Idaho Yearly Change —Idaho Avg. Annual Premium — US Yearly Change — US
2021 $1,348 $92 $1,539 $56
2020 $1,266 $103 $1,493 $71
2019 $1,173 $104 $1,554 $33
2018 $1,079 -$717 $1,541 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$313 $1,378 $98
2015 $1,895 $226 $1,290 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

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How to Find The Best Car Insurance in Idaho

Idaho drivers should contact the car insurance companies mentioned in our article. With a wide range of coverage options and discounts, these three providers typically have the best rates in the state.

If you're in the market for Idaho car insurance, keep in mind that the rates you receive will be based on various factors, some of which are unique to each company. Comparing auto insurance quotes from various companies is the most efficient way to discover the best deals.

Things to Know About Car Insurance When Moving to Idaho

Anyone with more than 25 cars registered to their name can qualify as a self-insurer by asking for a certificate of self-insurance from the state Insurance Commissioner. The Insurance Commissioner must guarantee that the person will afford the state's minimum coverage requirements.

How to Get Discounts on Car Insurance in Idaho

There are a variety of auto insurance discounts available in Idaho, but they will vary from agency to agency. If you're changing insurance providers, see if they have a transition discount. You could be able to save money by moving.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

How much does car insurance cost in Idaho?

Idaho's auto insurance premiums are relatively affordable. Idaho's average annual car insurance premium is $1023, which is 28.7% lower than the national average.

Is car insurance required in Idaho?

Regardless of whether the vehicle is registered or not, anyone operating a vehicle in Idaho must have liability insurance. You could face a fine of $75 to $1000 if you're caught driving without insurance in Idaho. Besides, first-time offenders will be required to offer evidence of financial accountability for up to a year.

Is car insurance cheaper in Idaho than in California?

When you relocate, you can plan to pay less for car insurance. Idaho's average annual car insurance premium is $648 less than California's.

What is full coverage insurance in Idaho?

Full coverage insurance in Idaho is typically characterized as a policy that offers more than the state's minimum liability coverage, $25000 per person for bodily injury, $50000 per accident for property harm, and $15000 for property damage.

How much is a no insurance ticket in Idaho?

It is illegal to operate a motor vehicle in Idaho without evidence of insurance or financial responsibility. Throughout the registration period, the driver must show evidence of continuous insurance. Driving without car insurance in Idaho carries a $75 fine for the first violation and a $1000 fine for subsequent offenses.

How long do tickets stay on your record in Idaho?

Convictions and points are recorded on each driver's record, and points are held for three years after the date of conviction. The chart below shows the sections of the Idaho code that apply to each violation and the points that will be assessed.

What is the penalty for driving without a license in Idaho?

In Idaho, a first-time arrest for driving without a valid license is an infraction punishable by a fine of up to $150. The overall fine for a second offense is increased to $300. A misdemeanor is a third conviction within five years, punishable by up to six months in prison and a $1000 fine.

How much is car insurance in Boise Idaho?

In Boise, auto insurance costs on average $1050 a year. This is less costly than the average in Idaho ($1167) and the national average of $1548.

How fast is reckless driving in Idaho?

In Idaho, there is no specific speed at which speeding is considered reckless driving. The circumstances surrounding the breach will determine whether or not this is the case. First-time offenders can face fines ranging from $25 to $300.

How much does it cost to reinstate your license in Idaho?

You will be required to pay a reinstatement fee, which may range from $15.00 to $285.00 depending on the reason for the suspension (or more if there are multiple suspensions).

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